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Life Insurance Policy Guide

Policy Guide

Pays a
Lump Sum		 Pays Out
Monthly		 Protects
your Family		 Protects
a Mortgage		 Choice
of Term		 Policy
in Trust
Whole of Life
green
red
green
red
red
green
Term Life/
Family Cover
green
red
green
green
green
green
Decreasing
Term
green
red
green
green
green
green
Family Income
Protection
red
green
green
green
green
red
Income
Protection
red
green
red
green
green
red
Critical Illness
green
red
green
red
green
red
Mortgage
Protection
green
red
red
green
green
green
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Individual Protection

Individual Life insurance is taken out in one name only. It pays a chosen sum assured when that person dies, within the period of the policy.

How much life cover do I need? This depends on how much financial cover you require to provide for your beneficiaries. Most people look to match around two thirds of their existing income, but there is no set figure and the choice is yours.

How long do you want the cover to last for? When period of cover is specified for a certain length of time it is called Term Insurance or without a time period the policy is called Whole of Life cover.
Your age, sex, occupation, health and smoking habits are all taken into account when determining the cost of a Life Insurance policy. Another factor that will affect your premiums is your medical history and current state of health.

If you have any concerns or questions, you should always discuss them with a professional adviser before you make any commitments. They will find you help the most appropriate insurer and policy for your specific circumstances. If you would like help click here.

Get cover as a Couple?
Joint Life Insurance covers two lives, but only pays out on the 'first death'. A joint policy is often more affordable. However, even if a joint policy is an attractive option it is worth obtaining two indiviual policy life insurance quotes may be better value, depending on individual circumstances such as medical history.

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Family Income Protection

Family Income Protection is one of the most useful and best value life insurance products that young families can buy.

Rather than it providing a lump sum, should you pass away, it provides a regular, tax-free, monthly income for your dependants - from the time of the claim to the end of the plan term.

Family income benefit is particularly attractive to those who like to know it will pay a regular monthly income and would rather not have to worry about complex investment decisions to make the most of a lump sum payout.

The advantages of this to someone living off the pay-out are very significant, because they do not need to worry about investing a ‘lump sum’ and pay fees, commissions or tax. Few people can afford enough ‘lump sum’ cover to properly provide for their dependents income needs, particularly those with young families, which is why Family Life Cover is a great option.

The structure of the plan means that the total amount that could pay out decreases each month, as the payments are only made until the end of the policy, which is why this type of policy has relatively low premiums. It is fair to say that, for most families, their need for cover decreases, as they get older.

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Income Protection

Income Protection Insurance can pay out a tax-free income, after the statutory sick period ends.

It replaces part of your income (tax free) if you are unable to work for a long period of time because of illness or disability, and will continue to pay out until you can return to some kind of paid work or reach retirement, whichever is sooner.

It has a waiting period before it will start to pay out. The longer you agree you'll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance (such as mortgage payment protection insurance) in the event of illness or disability.

This type of cover might not be available to you if you have existing health problems or a dangerous job.

Things to consider:

  • Find out if you already have protection in place in case you get incapacitated, and for how long that protection would last. For example your employer may have an income protection scheme in place you can benefit from, or you may have a payment protection insurance that covers your mortgage.
  • Check whether the policy reduces the pay out if you receive state benefits or claim money under any other insurance policy.
  • Some policies only pay out if you can't do any work, but you would have to be seriously incapacitated for you not to be able to work at all.
  • The best policies are those that pay out simply if you can't do your normal job, but premiums tend to be more expensive.
  • Most policies would pay out until your reach age 65 or when you have chosen the cover to end.
  • Ask if the cover will increase in line with inflation?
  • Check how if your occupation is rated by the insurer. Different insurers can put the same job in different risk categories, which would affect the value.
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Health Cover

Health Insurance is designed to cover the costs of private medical treatment for curable short-term illness or injury (commonly known as acute conditions).

Most people choose this type of insurance to have the reassurance of knowing that specialist treatment is available promptly, if they become ill or are injured.

As a private patient you can bypass the NHS waiting lists, choose when treatment will take place, choose the specialist who treats you and choose the hospital. You will also have the privacy of your own en-suite room with TV and other home comforts.

Health Cover means that if you need non-critical treatment you can typically
choose to have it when you wish and at a location (clinic or hospital) that’s convenient for you. It typically offers fast access to consultants and other specialists and a wide choice of modern hospitals.

You simply have your consultation and treatment (if required) and the bills
will go directly to your individual health cover insurance provider.

Health insurance plans differ from one insurer to the next. It is important to consider what you would like to include in your policy and confirm you are covered. In general the various plans available offer:

  • Prompt access to eligible treatments
  • Medical consultations by experienced consultants and specialists
  • An option to include immediate family members on the same policy
  • Professional Aftercare and well being services
  • 24-hour nurse HealthLine offering medical guidance

Critical illness cover is a medical insurance that helps provide financial
support if you are diagnosed with life altering illness. Each insurer has a
list of what is considered to be a critical illness and it is worth checking what the policy covers. Critical illness cover is not the same as Income Protection, which can pay out a tax-free income after the statutory sick period ends.

If you want to take out cover, you should do it sooner rather than later. The
rise in claims and the cost of advances in medical technology have led many insurers to review what they cover, or to impose restrictions on what counts as a critical illness. Many plan to raise premiums by up to 50%. Premiums are expected to continue to rise as medical technology develops.

Please note that not all illnesses are covered so it is important to clarify
what is covered. Some of the most common exclusions include HIV/Aids, drug misuse and self-inflicted injury.

It is vitally important that you are honest when applying for any insurance.
Ensure you provide the insurer the most complete information you can when applying for health related insurance.

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